Fraud Data Analyst - Luxembourg

Satispay

Please note that this opportunity requires relocation to our Barcelona office. About us Satispay began by rethinking the simple act of a payment to remove the friction from our daily routines. But we didn't stop there. Today, we are building a complete financial platform designed to empower people and concretely improve their lives. By giving our 6 million users a clear, open path to pay, save, and invest, we are evolving into the definitive destination for every financial need.   What you'll be doing As our Fraud Data Analyst, you'll be the person who secures the future of digital payments by architecting sophisticated real-time defense strategies. Here's what your day-to-day will look like: * Architect Real-Time Strategies – You will be responsible for our real-time decisioning engine, designing and deploying logic that combines ML scores with velocity features to make millisecond decisions. * Precision Rule Development – Translate complex fraud patterns into high-performing rules, optimizing the balance between False Positive Rates (FPR) and Gross Fraud Loss. * Deconstruct Payment Fraud – Proactively hunt for emerging schemes (ATO, social engineering) and turn these insights into end-to-end mitigation strategies. * Optimize the Decisioning Stack – Partner with Product and Engineering to define analytical requirements for new features and third-party data signals. * Calibrate ML & Heuristics – Work with Data Science to operationalize machine learning models, determining how to best "wrap" model scores with heuristic rules. * Champion Frictionless UX – Analyze security measures to identify unnecessary hurdles, designing dynamic friction strategies for a seamless user experience. * Strategic Performance Reporting – Monitor rule efficacy and portfolio health, presenting data-driven recommendations to senior leadership to evolve our risk appetite. Expect challenges, collaboration, and the freedom to bring your ideas to life in a fast-moving and supportive environment. Things change quickly here, so be ready to adapt, take initiative, and shape your role as we grow.   Who we're looking for We need a problem-solver who loves teamwork and gets things done. If you're curious and ready for real ownership, you'll fit in! Does this sound like you? * Experience – You have between 3 and 7 years of professional experience, specifically within the risk, payments, or credit sectors. * Technical Proficiency – You are highly skilled in SQL and Python for data analysis and strategy development. * Domain Expertise – You have a solid understanding of payment fraud dynamics and experience working with real-time decisioning environments. * Communication – You possess excellent communication skills and are fluent in English. * Nice to Have – Experience with Machine Learning, Data Science, PySpark, or GraphQL knowledge is a significant plus.   CareAbout: how we support your impact We move fast, and evolution never stops. It's a fun ride, but it can be challenging. To make sure our people truly thrive, we're committed to making their lives easier, both in the office and out in the world. That's why we created CareAbout: * ❤️ Health (Private insurance for you and your family, psychological support with Serenis, mental health workshops) * 💰 Financial resources (Stock Option Plan, Meal vouchers, Relocation support if you're moving countries) * ⚙️ Growth and development (Professional development programs, Internal mobility, Language courses with Preply) * 🌱 Flexibility (Unlimited PTO, Hybrid working policy*, Flexible working hours) * 👨‍👩‍👧 Family (Enhanced parental leave, Additional leave for child sickness)   *We embrace three days per week in-office (Tuesday and Thursday + 1 of your choice), with the option to request extra remote time.   Equal opportunity employer At Satispay, we're proud to be an equal opportunity employer. We celebrate diversity and inclusion, welcoming individuals of all backgrounds. This opportunity is open to everyone, regardless - for instance - of race, colour, religion, sex, gender identity, sexual orientation, and national origin. Join us in a workplace where everyone belongs!   Learn more about us Our values and pillars aren't just fancy words on a page - they really shape everything we do. Explore them here.       #LI-VR1 #LI-HYBRID   By submitting this application, I acknowledge that I have read and understood the content of the Privacy Policy

Scalapay

At Scalapay, we’re shaping a culture with high standards, independent and critical thought, innovation, ownership, and continuous learning. We operate in a fast-moving, tech-driven environment, and we’re looking for people who thrive in change, think boldly, and take initiative. If you’re ready to put your potential to the test in a hiring process designed to spotlight exceptional talent, this is your chance to stand out and grow with one of Europe’s most ambitious fintech teams. #MakeItHappen #PlayAsATeam #StayCurious #FocusOnCustomer. The Mission We are looking for a motivated and curious Credit Risk Analyst to join our Credit Risk team and help protect Scalapay, its customers and merchants from credit risk.  In this role, you’ll play a key part in monitoring and improving the quality of our credit portfolio, identifying risk patterns, and contributing to strategies that reduce credit losses while maintaining a seamless customer experience. You’ll work closely with Data Scientists, Product Managers, Engineers, and Fraud specialists, with real exposure to decision-making and measurable impact on the product. WHAT YOU’LL DO * Monitor and analyze the credit portfolio through data-driven studies, statistical analyses, and reporting. * Track portfolio performance and trends across customers and merchants, contributing to forecasting and risk insights. * Oversee and enhance application processing and credit scoring processes, monitored internally at high frequency and developed in collaboration with specialized external providers. * Leverage Credit Bureau (SIC) data and indicators to support credit decisions and portfolio monitoring. * Collaborate with the Fraud Management team to detect and prevent emerging fraud patterns and anomalies across the credit lifecycle. * Contribute to the evolution of credit risk strategies in a fast-growing BNPL environment. WHO WE'RE LOOKING FOR: Must Have * A bachelor’s degree in Mathematics, Statistics, Economics, or a related quantitative field. * Hands-on experience with credit scoring models, tools, and methodologies. * Strong proficiency in SQL for data extraction and analysis. * Experience or working knowledge of AWS-based tools (e.g. SageMaker, Feast (open source of Tecton), Amazon QuickSight). * A solid understanding of credit risk management in financial services, payments, or e-commerce. * Strong analytical and problem-solving skills, with attention to detail. * Ability to work effectively in a fast-paced, cross-functional environment. * Strong written and verbal communication skills in English. Nice to Have * Experience with Python, SAS, R, or similar tools for data analysis. * Previous exposure to consumer credit markets, particularly in credit risk or application processing.  Why you should join Scalapay: * A high-impact role in a leading BNPL fintech, where your work directly influences product performance. * Exposure to the entire credit lifecycle, from application to portfolio monitoring. * Daily collaboration with highly skilled, cross-functional teams. * Opportunities for professional growth, ownership, and technical development in a dynamic environment. * Our compensation packages are based on skills, qualification and experience - the salary band we have for this position is an Overall Total Earning between 35'000€ and 45’000€ Recruitment Process: 1. An initial chat with our Talent Team 2. The first interview with the Hiring Manager to dive deep into your experiences and better understand your motivation 3. Interview with our Chief Risk Officer 4. A case study to test your attitude and hard skills 5. A final chat with Simone, our CEO Want to learn more? Don't hesitate to explore our Careers website, our LinkedIn and Glassdoor pages.  Pro tip: send your CV in English 😉 Super Pro tip: we know that application processes can be scary and frustrating but… we look for talent, not people that tick all our boxes.

Satispay

About us Satispay began by rethinking the simple act of a payment to remove the friction from our daily routines. But we didn't stop there. Today, we are building a complete financial platform designed to empower people and concretely improve their lives. By giving our 6 million users a clear, open path to pay, save, and invest, we are evolving into the definitive destination for every financial need. What you'll be doing As a Software Engineer, Backend in the Core Team, you’ll play an important role in building and maintaining the backbone of our payment platform. You will be a key contributor to the technical quality and delivery of robust systems that support multiple services and product teams across the company. Here's what your day-to-day will look like: * Contribute to core platform domains: Help build, maintain, and scale our most sensitive systems—such as the Transaction Ledger, Identity & Access Management (IAM), or Payment Orchestration. * Develop risk & financial engines: Implement and optimise services dedicated to bank integrations, credit risk, and real-time fraud detection to protect our "source of truth." * Collaborate on technical solutions: Participate in technical analysis for new projects, engage in technical discussions, and contribute to high-quality documentation (Smart Papers). * Drive engineering quality: Ensure technical excellence by writing clean code, implementing rigorous testing strategies, and executing safe rollouts while resolving technical blockers. * Work in an AI-powered environment: Leverage AI tools daily to write and optimise code, speed up root cause analysis, and generate documentation to raise engineering efficiency. * Grow and collaborate: Work with senior engineers to elevate your architectural skills while supporting junior team members in adopting best practices for secure and reliable development. Who we're looking for We need a problem-solver who loves teamwork and gets things done. If you're curious and ready for real ownership, you'll fit in! Does this sound like you? * Experience: You have at least 3 years of experience as a Backend Engineer, with a proven track record of building and maintaining scalable microservices. * Technical Foundations: Deep expertise in Java and Spring Boot, with a solid understanding of distributed systems and external dependencies like banking APIs. * Cloud Awareness: Good exposure to cloud environments (AWS is a plus) and relational databases (PostgreSQL). * Reliability Mindset: You care deeply about system health, data integrity, and clean business logic, with comfort in debugging complex service issues. * Communication: You are able to communicate technical concepts clearly and collaborate effectively with both technical and non-technical peers. * Language proficiency: You are passionate about FinTech and fluent in English. CareAbout: how we support your impact We move fast, and evolution never stops. It's a fun ride, but it can be challenging. To make sure our people truly thrive, we're committed to making their lives easier, both in the office and out in the world. That's why we created CareAbout: * ❤️ Health (Private insurance for you and your family, psychological support with Serenis, mental health workshops) * 💰 Financial resources (Stock Option Plan, Meal vouchers, Relocation support if you're moving countries) * ⚙️ Growth and development (Professional development programs, Internal mobility, Language courses with Preply) * 🌱 Flexibility (Unlimited PTO, Hybrid working policy*, Flexible working hours) * 👨‍👩‍👧 Family (Enhanced parental leave, Additional leave for child sickness) *We embrace three days per week in-office (Tuesday and Thursday + 1 of your choice), with the option to request extra remote time. Salary: €45,000 - €53,000 gross per annum This range is set using objective, gender-neutral criteria for the role's core requirements. However, we do not believe in putting a ceiling on talent. The final compensation package is tailored according to your unique experience and expertise. If your skills go beyond the standard profile, apply anyway so we can discuss a package that reflects your true value. Equal opportunity employer At Satispay, we're proud to be an equal opportunity employer. We celebrate diversity and inclusion, welcoming individuals of all backgrounds. This opportunity is open to everyone, regardless - for instance - of race, colour, religion, sex, gender identity, sexual orientation, and national origin. Join us in a workplace where everyone belongs! Learn more about us Our values and pillars aren't just fancy words on a page - they really shape everything we do. Explore them here. #LI-VR1 #LI-Hybrid By submitting this application, I acknowledge that I have read and understood the content of the Privacy Policy